Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Roanoke

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Roanoke Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

63Reviewed

42Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
4896 Hollins Road, Roanoke, VA 24019
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Condos

Why choose this provider?

Norwinski Insurance Agency is an independent insurance agency in Roanoke that provides a wide range of insurance services that includes homeowners' insurance. This insurance helps clients protect their dwelling and personal belongings financially in case of disasters. It also covers the clients' and their family's personal liability. The agency's professional staff presents homeowners' insurance options that can suit their clients' needs and budget. It guides them in making the right choice by educating them about the different coverages that may be essential to them.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
3904 Franklin Road Southwest, Roanoke, VA 24014
  • Multiple Policy Types

Why choose this provider?

Bill Keller - State Farm Insurance Agent has been providing insurance products and services in Roanoke and the surrounding areas since 1980. This President’s Club awardee gives coverage options to clients who want to purchase a home insurance policy. A standard homeowner insurance policy covers the repair or replacement costs in case of disasters or unexpected events such as fire, storm, or theft and vandalism. Some of the products Bill Keller offers are renters, condo, and personal article insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
5.0 / 5 (8)
Google
3.8 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
16 Church Avenue Southwest, Roanoke, VA 24011
  • Fire
  • Multiple Policy Types

Why choose this provider?

Established in 2006, Trustpoint Insurance, LLC, is an independent insurance firm that provides home insurance products to clients in the Roanoke area. It assists clients in determining the appropriate homeowners' insurance policy that can help protect them from financial losses caused by various property damages and liability claims. The firm's web platform allows clients to manage their insurance policies online. Among the services that it handles are payments, certificate requests, family risk reviews, and policy information viewing.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3629 Franklin Road, Roanoke, VA 24014
  • Fire
  • Multiple Policy Types

Why choose this provider?

Holley Insurance is a firm that helps Roanoke area residents ensure financial protection for their homes in the event of a disaster. The firm offers support in identifying suitable insurance policies based on coverage levels, endorsements, and limitations. Holley Insurance assists clients in obtaining coverage for damages or losses resulting from covered situations such as vandalism, theft, or fire. The agency also provides claims assistance for additional living expenses and liabilities. Holley Insurance has been in the industry since 2000.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (53)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3224 Peters Creek Road, Roanoke, VA 24019
  • Multiple Policy Types

Why choose this provider?

Brogan Insurance is a firm that focuses on providing assistance to Roanoke area residents that seek financial protection for their properties. The agency works to determine policies including all-risk or named-perils coverage options that fit the unique situations of homeowners and renters. Brogan Insurance works to ensure that clients secure coverage for damages and losses as well as liability costs in relation to potential lawsuits. The firm was founded in 1983 by Dan Brogan and operates as a family-owned agency.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (7)
Google
4.8 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1360 Maple Avenue Southwest, Roanoke, VA 24016
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Burrus Insurance Agency is a Roanoke-based independent agency that helps clients get the best policy for their insurance needs. They write homeowners policies that pay for the replacement or repair of a residential or personal property lost or damaged due to a covered event, such as fire. In case a guest suffers an injury while on the policyholder's property, the policy serves as protection from liability. The company offers named-perils policies, which cover specific losses, and all-risk policies, which cover all losses except for specifically excluded events.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2758 Electric Road Suite E, Roanoke, VA 24018
  • Multiple Policy Types

Why choose this provider?

Bill Meador Insurance Agency caters to clients in the Roanoke area and offers advisory services on home insurance issues. Founded in 2012, the agency helps homeowners identify available insurance policies based on all risks or named perils. The firm also assists clients in obtaining coverage for replacement fees associated with fires and other covered disasters. The agency is headed by Bill Meador, who has been offering insurance services since 2005 and also handles auto, business, and life insurance matters.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (428)
Facebook
5.0 / 5 (44)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2715 Brambleton Avenue, Roanoke, VA 24015
  • Multiple Policy Types

Why choose this provider?

Banks Insurance Agency has been providing a wide range of insurance services to Roanoke since 1988. Among its services is helping clients find the right homeowners' insurance that will financially protect their property, personal belongings, and liability. The agency presents a variety of options and tailors them to the clients' needs, risks, and budget. In addition to homeowners' insurance, Banks Insurance Agency also offers auto, commercial, life, and renters' insurance. It serves the whole of Roanoke Valley and nearby areas.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (88)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5219 Peters Creek Road, Roanoke, VA 24019
  • Multiple Policy Types

Why choose this provider?

Jill Hufford Insurance has been providing insurance policies to residential and business clients for more than four decades through its office in Roanoke. The homeowners' insurance policies offered by the agency are customized to the needs of its clients. Its clients can opt to include wind, hail, fire, and flood coverage into their insurance policies. Moreover, Jill Hufford Insurance also helps its clients review their coverage or file insurance claims whenever necessary.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (76)
Facebook
4.4 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
58D Ridge Road, Troutville, VA 24175
  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Why choose this provider?

Our Insurance Options sells homeowners insurance policies to clients in the Roanoke metro area. Its policies provide replacement costs for damaged structures on owned land and can also protect items of furniture and personal possessions. Our Insurance Options sells liability coverage to protect homeowners if guests are injured. Clients can also purchase optional policy coverages such as guaranteed home replacement cost coverage. Automobile insurance, life insurance, and personal umbrella coverage policies are available as well.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2415 Electric Road, Roanoke, VA 24018
  • Multiple Policy Types

Why choose this provider?

Jeff Glick is a State Farm insurance agent offering property damage coverage for homeowners in Roanoke. Beyond securing repairs and replacement costs for a client's dwelling, State Farm's home insurance plans also include select personal belongings such as keepsakes, hobby equipment, and home or gardening items. It covers common hazards such as lightning, wind, hail, and instances of theft, fires, and vandalism. Associated with State Farm since 1989, Glick offers other lines of insurance, including renters' and life.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • How are homeowners' insurance rates calculated in Roanoke?

    Insurance companies consider your house, your unique coverage requirements, and the risk factors in your community when calculating your insurance rates in Roanoke. If you happen to live in an area with elevated crime rates or a heightened susceptibility to natural calamities, you should expect to pay higher premiums compared to individuals residing in safer locales. Moreover, homeowners' insurance costs are typically higher for owners of more expensive properties because they are more costly to maintain or reconstruct.

  • What is covered by a Roanoke homeowners' insurance?

    Homeowners' insurance in Roanoke provides protection against property damage and includes coverage for your home, personal belongings, other structures on your property, and living expenses during covered events. It also offers liability coverage for injuries or property damage claims, covering costs like repairs, medical bills, legal fees, and potential settlements or judgments resulting from lawsuits.

  • Will there be consequences if you have insufficient coverage for your home in Roanoke?

    There may be consequences, depending on the circumstances. Restoring your Roanoke home to its pre-claim state is the goal of insurance. The construction of insurance plans is based on the notion that the coverage is adequate for this use. As a result, if you don't buy enough insurance, you can be charged an underinsurance penalty. Most fines are only imposed when you are underinsured by more than 20%. Examine your policy or speak with your agent to acquire more details regarding this.

  • What are some crucial pieces of information Roanoke residents should be aware of regarding homeowners' insurance?

    Here are some essential factors to remember regarding homeowners' insurance policies in Roanoke:

    • Standard policies often lack flood coverage.
    • Damages resulting from surface water or subterranean water flow may not be covered.
    • Most policies typically default to "actual cash value."
    • Standard policies may impose limits on jewelry coverage based on the perils specified in the policy.
    • The majority of policies won't cover sewer backups unless you buy a special endorsement.
  • What are some important things to keep in mind when searching for homeowners' insurance in Roanoke?

    When searching for homeowners' insurance in Roanoke, remember these tips:

    • Start by assessing your home's worth and personal belongings.
    • Don't overlook potential discounts, such as combining your home and auto policies to save.
    • Consider the expenses for complete replacement and rebuilding. Opt for policies that offer total replacement value rather than cash value if it's essential.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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